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Yeah, except she can go makeinimum wage working full time for benefits and call it a day. You can live on minimum wage if you also have a mil in the bank to start. One door closed but a bunch of others opened. She can do that job you want that you don't do because it doesn't pay much.
Working full time isn't retiring.
You also have a weird notion about benefits, and employers willingness to give full time hours so you even qualify. But that's not even the slightest bit related to this discussion.
Most folks with the degree and certification required to teach can find another full-time job that offers benefits, e.g. health insurance (which even a million dollars will get burned up quickly if a serious medical issue arises and you have no insurance).
But I think the point you're missing is that she can continue making shit loads of money on OF for as long as she can while also working another job, as OF isn't exactly something you need to 8 hours a day to do (though, some models probably do when you factor in advertising and getting your name/rep established).